Every dollar amount and date on this page is quoted from the official settlement document.
Xactus / Credit Plus $2.4M FCRA Credit Report Settlement
Court case: Cinner v. Xactus, LLC, Case No. 2:23-cv-04531-JMY
This is for people whose mortgage-related credit report, prepared and sold by Credit Plus, showed a monthly payment on a charged-off account that two of the three major credit bureaus reported with a zero balance. Eligible class members can file a short online claim for a cash payment from the settlement fund.
"For the period beginning on November 16, 2021 and continuing through the date of the Court's Preliminary Approval Order, all natural persons with an address in the United States and its Territories about whom Credit Plus prepared and sold a Merged Infile Credit Report to a third party where the merged component of the report displayed a charged off account in R9 status with a non-$0 balance and non-$0 calculated monthly payment amount when two of the three consumer reporting agencies both reported the same account to Credit Plus with a $0 balance.". Payout: Defendants have agreed to pay Two Million Four Hundred Thousand Dollars ($2,400,000) for the creation of a Settlement Fund. "The amount of the payments will depend on the number of claims submitted, but it is expected to be approximately $500. This estimate is based upon the typical claims rates in similar cases – the actual payment amount will depend on the actual claims rate in this case and may be lower or higher." Class Members "can choose to receive payment electronically through the website, or a check will be mailed to the address listed on the Claim Form.". No proof of purchase is required to file. Claim deadline: September 29, 2026. Checked against the official settlement source by SettleSignal on August 15, 2026.
Who may qualify
You self-certify the basics when you file — the settlement administrator makes the final eligibility decision.
You may be covered if, starting November 16, 2021 through the date of the Court's Preliminary Approval Order, you had a US or US Territory address and Credit Plus prepared and sold a Merged Infile Credit Report about you to a third party that showed a charged-off account in R9 status with a non-$0 balance and a non-$0 calculated monthly payment, while two of the three consumer reporting agencies reported that same account to Credit Plus with a $0 balance. If you got a mailed Notice, the records already identify you as a class member.
Official eligibility wording (read the exact text)
"For the period beginning on November 16, 2021 and continuing through the date of the Court's Preliminary Approval Order, all natural persons with an address in the United States and its Territories about whom Credit Plus prepared and sold a Merged Infile Credit Report to a third party where the merged component of the report displayed a charged off account in R9 status with a non-$0 balance and non-$0 calculated monthly payment amount when two of the three consumer reporting agencies both reported the same account to Credit Plus with a $0 balance."
This summary is based on available official settlement sources. The settlement administrator determines eligibility and payment approval.
New to the terms? Plain-English: claim deadline, proof of purchase, administrator, pro rata.
Proof requirements
Proof requirement is currently marked as No.
Review the official claim form before submitting any information.
Important dates
How hard is this claim to file?
What the form asks
- —
Watch out for
- The claim concerns accuracy of the report sold to lenders, not the accounts themselves.
We prepare — you file on the official site yourself. This is not legal advice and is not an eligibility decision; the administrator and court decide.
How do I file a claim for this settlement?
File directly with Settlement Administrator via the official claim form before September 29, 2026.
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1Check whether a merged infile credit report about you went to a mortgage lender.
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2File the claim form on the administrator's site before the deadline.
New to settlement claims? How to file safely → · Worried it might be fake? Run the 60-second legitimacy check →
When will I get paid?
- Claims open You are here
- Court approval
- Payments sent
- Distribution complete
Claims are still being accepted. Class-action payouts typically begin only after the claim deadline, final court approval, and any appeals.
Verify it yourself
How we verified this record
The key facts here come straight from the official settlement source — no aggregators, no guesswork — and we re-check them on a schedule.
The key facts on this page were taken from the official settlement source, administered by Settlement Administrator, and last checked on August 15, 2026. We re-verify each field individually on a weekly pass.
1 official source linked to this record.
Checked fields are matched against a named official source and re-checked on a schedule. We show the authority and the date, never our internal evidence link.
Common questions
Is the Xactus / Credit Plus $2.4M FCRA Credit Report settlement legitimate?
Yes — the Xactus / Credit Plus $2.4M FCRA Credit Report settlement is a real claims process that SettleSignal tracks from its official source. It is administered by Settlement Administrator. File only through the official settlement website (cinnerfcraclassaction.com); a genuine settlement administrator never charges a fee to file. SettleSignal last checked this record against the official source on August 15, 2026. Always confirm the current details on the official site before filing.
Who may qualify for this settlement?
"For the period beginning on November 16, 2021 and continuing through the date of the Court's Preliminary Approval Order, all natural persons with an address in the United States and its Territories about whom Credit Plus prepared and sold a Merged Infile Credit Report to a third party where the merged component of the report displayed a charged off account in R9 status with a non-$0 balance and non-$0 calculated monthly payment amount when two of the three consumer reporting agencies both reported the same account to Credit Plus with a $0 balance."
How much can I get from the Xactus / Credit Plus $2.4M FCRA Credit Report settlement?
Defendants have agreed to pay Two Million Four Hundred Thousand Dollars ($2,400,000) for the creation of a Settlement Fund. "The amount of the payments will depend on the number of claims submitted, but it is expected to be approximately $500. This estimate is based upon the typical claims rates in similar cases – the actual payment amount will depend on the actual claims rate in this case and may be lower or higher." Class Members "can choose to receive payment electronically through the website, or a check will be mailed to the address listed on the Claim Form.". The exact amount you may receive is decided by the settlement administrator based on your valid claim and is not guaranteed; a total settlement-fund figure is shared among all eligible claimants, not paid to each person.
What is the claim deadline?
The claim deadline is September 29, 2026. Confirm the current deadline on the official settlement source before filing.
Do I need proof to claim?
Proof requirement: No. The settlement administrator determines what documentation, if any, is required.
When will Xactus / Credit Plus $2.4M FCRA Credit Report Settlement pay out?
No payment stage is reported for this record yet. Class-action payouts typically begin only after final approval and any appeals. See our payout timeline guide.
Where is the official Xactus / Credit Plus $2.4M FCRA Credit Report Settlement claim form?
The official claim form is hosted by the settlement administrator, Settlement Administrator. Use the 'Open official claim form' button on this page — never pay a fee to file.
Where to act
When you are ready, you open the official claim form yourself. SettleSignal does not file claims or determine eligibility.
Not ready to file today? Track it free — we'll remind you 30, 14, 7, and 1 day before Sep 29, 2026, and keep your claim details in one place.
Listed on the official settlement website (Settlement Administrator).
Status history
Every status and verification change we have recorded for this settlement, newest first. We log the date we made each change; we never publish the underlying evidence link.
- Settlement published after verification.
Disclaimer
SettleSignal summarizes publicly available settlement information and links to official settlement sources. We are not a law firm, do not provide legal advice, do not submit claims on your behalf, and do not determine eligibility or payout approval. You open the official claim form yourself. Only file a claim if the information you provide is accurate.
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